Eastern International Bank
Los Angeles, California · FDIC Cert #32277
Eastern International Bank is an FDIC-insured bank (Certificate #32277) with $115M in total assets and $88M in total deposits as of the Q2 2024 Call Report. Headquartered in Los Angeles, California, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of D (49/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Eastern International Bank (FDIC cert 32277) is a community bank — $115M in total assets, $88M in deposits, serving the Los Angeles, California area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 19.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.54% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Eastern International Bank carries a composite BankHealth grade of D (49/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Eastern International Bank
- Total Assets
- $115M
- Total Deposits
- $88M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 19.94%
- Return on Assets
- 0.54%
- Headquarters
- Los Angeles, California
- FDIC Certificate
- #32277
- Health Grade
- D (49/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Eastern International Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Eastern International Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Eastern International Bank shows some financial weakness with a Health Score of 49/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Eastern International Bank Compares
Eastern International Bank’s Health Score of 49 is 23 points below the California state average of 72 across 123 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.54% is below the national ROA benchmark of ~1.1%. Among 1181 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Eastern International Bank is 21 points below the portfolio average of 70.
Frequently Asked Questions
Eastern International Bank has a Bank Health Score of D (49/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Eastern International Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Eastern International Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32277). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Eastern International Bank holds $115M in total assets and $88M in total deposits. It is headquartered in Los Angeles, California (FDIC Certificate #32277).
Eastern International Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 0.54%.
Yes. Eastern International Bank is FDIC-insured (Certificate #32277). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Eastern International Bank shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.